Problem: In Part IV Sandel reviews a variety of market forces in life and death, including examples like corporate-owned life insurance policies (COLIs). Respond to the idea that an employer would take out life insurance policies on its employees and be named the sole beneficiary of the proceeds (something that is rapidly growing in private industry - Walmart alone holds hundreds of thousands of life insurance policies on its employees without their knowledge). Is this market-defensible? Is this morally dubious, requiring some additional permission (such as the consent of the employee)?